Choose a bank

1. chase or BofA (traditional bank has a rate)
2. credit unions (limited digital tools)
3. online banks (bluevine or mercury)

Don’t choose the bank you are familiar with. That’s a lazy move. Look at the features, not the LOGO!

Doc

1. EIN from IRS
2. Articles of organization or incorporation
3. operating agreement (even if it’s a single member LLC)
4. business license (if required)
5. Valid ID
6. proof of address (bank statement)
7. some would need beneficial ownership disclosures (new federal rules in 2025)

Make sure business name matched

1. LLC docs
2. EIN paperwork
3. website domain
4. business license

看了一圈好像Mercury最好，同时惊觉：

1. 手续好像不全，好像还要填BOI，business liscense什么的 - 我的公司名字叫做InfraForge LLC，是一个multi-member LLC，但我网址的域名是ifcommune.com，其中if是infraforge的缩写；这个我好像还要继续搞一个trade name（在corponline上注册）
2. 税好像也要单独申报，在拿到EIN以及articles of org之后还要再申报一次。

https://ariweisbard.com/estatetips/2024/5/14/how-to-set-up-an-llc-and-new-business-in-dc-a-comprehensive-guide

Steps to set up a basic business license: https://dlcp.dc.gov/node/1618236 - 这个几乎包含了后续的所有流程，包括trade name，汇报EIN给OTR，cleanhands certification，HOP

Get a Home Occupation Permit: https://dob.dc.gov/node/1616176

Obtain clean hands: https://otr.cfo.dc.gov/page/certificate-clean-hands

https://dlcp.dc.gov/node/1621021

决定：速攻id，等明天驾考完参考北美格格xhs对照检查手续 - 应该是要办BBL，不用BOI；之后开户，搞logo和linkedin page

关于BOI:

https://www.fincen.gov/news/news-releases/fincen-removes-beneficial-ownership-reporting-requirements-us-companies-and-us

FinCEN Removes Beneficial Ownership Reporting Requirements for U.S. Companies and U.S. Persons, Sets New Deadlines for Foreign Companies

WASHINGTON––Consistent with the U.S. Department of the Treasury’s March 2, 2025 announcement, the Financial Crimes Enforcement Network (FinCEN) is issuing an interim final rule that removes the requirement for U.S. companies and U.S. persons to report beneficial ownership information (BOI) to FinCEN under the Corporate Transparency Act.

3.24本土注册的公司好像不需要做这个